In which bank to invest money? Or not only in the bank ...

Someone is saving money for a rainy day, someone for a brighter future. But before everyone sooner or later the question arises - how can they be saved? To keep houses in a closet under a pile of laundry is absolutely pointless, inflation will leave very little from labor pennies, and even dangerous.

In which bank to invest money? Most recently I tried to solve this issue for myself. Here is my brief study on this topic.

First of all, he must enter the system of state insurance of bank deposits. Now the amount of compensation is 700 thousand rubles. But the government is considering the issue of increasing this limit to 1 million rubles, starting from January 1, 2013.

Therefore, it would be rational to leave an amount in a single banking institution that does not exceed the current limit. Then, in the event that the bank is deprived of the license, the deposit will be fully returned to its owner.

The next question that needs to be solved for ourselves is the time limit for which we can safely remove the accumulated amount from the family budget. Often, banks offer a rather tempting deposit terms, but the term of 3-5 years is unlikely to suit us. It is not known what situation will develop by this time in the financial market, and in our personal lives too.

Now we will define the currency in which it is better to store their own blood. Financial analysts unanimously recommend giving preference to the ruble. These deposits are now the most profitable.

But if you put aside money for a trip abroad, then perhaps it makes sense to open an account in the currency that will eventually be needed.

Many banks offer multicurrency deposits or metal. Here, as they say, it's a matter of taste. But in case of opening a metal deposit, it is worth considering that it is not subject to insurance.

Even if you have already decided which bank to invest in, do not be lazy to carefully study the terms of deposits that it offers. Namely: is it possible to replenish an account, terminate it ahead of schedule without a large loss of interest, and whether a partial withdrawal of interest is envisaged.

It is not superfluous to pay attention to various bank holidays, during which they can raise interest rates on individual deposits. And sometimes open and new, more profitable deposits. I made my final choice that way.

In addition, you can be offered a debit card, to which the interest on the deposit will be transferred.

In my opinion, an important question is whether the Internet banking service is provided. If you do not have to come to the bank to check the status of your account, you can do it at home at any convenient time, sitting at the computer.

So, which bank to invest in? I think you will make the right choice, taking into account your life situation. Maybe for you the decisive moment is that this bank is located near the house ...

For someone else, the best option is to invest money in the currency. Although analysts warn that for the financial market in Europe, now is not the best time. The euro in such a situation is unlikely to reach sky highs. Yes, and the state of the US economy also does not herald a big dollar growth.

If you stop investing in precious metals (I mean buying coins and ingots), judging by the dynamics of their market, it's more preferable to buy silver, The greatest increase in prices is predicted precisely for him.

But thus again there will be a question on storage of the acquisition. There is no way to do without a banking cell .

Now you know which bank to invest in. But is it a single bank? ..

There are other profitable investments. For example - real estate. Housing prices are constantly rising. Yes, and renting it will bring a steady income. But here there is one nuance, which is desirable to take into account. If you suddenly need money urgently, the sale of real estate is a rather lengthy process.

Few people have yet decided to invest in mutual funds (mutual funds). Here, your profit will depend entirely on the choice of Mutual Fund. It is almost impossible to make such a choice correctly independently. You definitely need the help of an expert.

Where to invest money? This issue will have to be addressed to almost everyone early or late.

But remember at the same time about the wisdom of the people. It's about eggs that can not be put in one basket.